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The exact documents depend on the borrower and program. Use this as a preparation guide, then follow the secure upload instructions from your mortgage professional.
Working checklist
Do not send these records by ordinary email. Your mortgage professional will identify the applicable items and provide a secure delivery method.
Common requests may include recent pay records, W-2s, tax returns and employment verification. Self-employed, 1099, bank-statement, P&L and other Non-QM programs may use a different approved documentation path.
Prepare complete bank or investment statements when requested, including all pages. Large or unusual deposits may require an explanation and supporting source documentation.
A purchase file may require the fully executed sales contract and Realtor information. Refinance, equity, investment and commercial files may also require mortgage statements, property-tax records, leases, insurance information or entity documents.
Identification and other sensitive records should be delivered only through the secure process provided by 7th Level Mortgage. Never send Social Security numbers, bank statements or identity documents through the general contact form, AI guide or ordinary email.
General information is useful. A mortgage professional can help you evaluate the facts that apply to you.
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